Investor Presentaiton
BOI Overview
Income Statement¹
Bank of Ireland Group
y/e Dec 12
(€m)
y/e Dec 13
(€m)
y/e Dec 14
(€m)
y/e Dec 15
(€m)
y/e Dec 16
(€m)
Total income
Net interest income
1,862
2,646
2,974
3,272
3,105
1,755
2,133
2,358
2,454
2,283
Other income
495
642
653
828
842
ELG fees
(388)
(129)
(37)
(10)
(20)
Operating expenses
(1,589)
(1,545)
(1,601)
(1,746)
(1,747)
Core Banking Platforms investment
(41)
Levies and regulatory charges¹
(49)
(31)
(72)
(75)
(109)
Operating profit pre-impairment
224
1,070
1,301
1,451
1,208
Net impairment charges
Customer loans
(1,769)
(1,665)
(472)
(296)
(178)
(1,724)
(1,665)
(542)
(296)
(176)
AFS
(45)
70
(2)
Share of associates / JVS
46
31
92
46
41
Underlying (loss) / profit before tax
(1,499)
(564)
921
1,201
1,071
Non core items
(679)
44
(1)
31
(39)
Statutory (loss) / profit before tax
(2,178)
(520)
920
1,232
1,032
NIM
1.25%
1.84%
2.11%
2.19%
2.19%
Cost income ratio
85%
58%
54%
53%
58%
*Figures as reported, with the exception of y/e Dec 13 which includes a €5m reduction in Operating expenses relating to IFRIC 21 adjustments
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